Personal Insurance
Built for West Texas Living
Smart coverage. Local support.
From the daily drive to unexpected storms, personal insurance helps you stay prepared for whatever comes your way. As your independent local agency, we offer customized policies from trusted carriers—backed by personal service and real-life experience.
On the Road and Ready
Vehicle Insurance
Whether you’re driving to work, hauling a trailer, or heading out on a Texas backroad, we’ll help you find auto insurance that fits your needs and budget. We’ll walk you through the options and make sure you’re covered, mile after mile.
Car Insurance
Reliable coverage for your car or truck—whether you’re commuting through Lubbock or cruising country roads.
Boat Insurance
Keep your time on the water worry-free with coverage for boats, personal watercraft, and onboard equipment.
Motorcycle Insurance
Protection for your ride and your gear, built for the open road and West Texas winds.
RV Insurance
Safeguard your home-on-wheels with specialized policies for campers, trailers, and motorhomes.
Off-Road Vehicle Insurance
Coverage for ATVs, UTVs, and other off-road vehicles—so you’re protected wherever the trail takes you.
Coverage That Hits Home
Property Insurance
Your home isn’t just a building—it’s where your life happens. Whether you own, rent, or live in a mobile home, we’ll help you protect your space, your belongings, and the people who live there with coverage that’s just right for you.
Homeowners Insurance
Coverage for your house, personal property, and liability—plus options for storm damage and more.
Mobile Home Insurance
Flexible policies for manufactured and mobile homes, including storm and fire protection.
Condo Insurance
Tailored coverage for your unit, personal property, and interior features not covered by your association.
Renters Insurance
Affordable coverage for your belongings, plus liability protection—even if you don’t own the property.
Vacant Dwelling Insurance
Protection for unoccupied homes, whether they’re between tenants, under renovation, or on the market.
Personal Umbrella Insurance
Extra liability coverage that kicks in when your standard policies reach their limits—ideal for added peace of mind.
Flood Insurance
Separate coverage for flood damage, which isn’t included in most standard home insurance policies.
Frequently Asked Questions
What types of personal insurance do you offer in West Texas?
We offer a full range of personal insurance policies including auto, motorcycle, RV, boat, off-road vehicle, homeowners, renters, condo, mobile home, flood, and personal umbrella insurance. Whether you live in Abernathy, Lubbock, or anywhere across West Texas, we’ll help you find the right coverage for your needs. Our policies are tailored to fit the way folks live out here—on the road, on the land, and under their own roof. As an independent agency, we compare options from trusted carriers to get you the best fit.
Why do I need renters insurance if my landlord has coverage?
Your landlord’s policy typically only covers the building, not your personal belongings or liability. Renters insurance protects your furniture, electronics, clothes, and more in case of fire, theft, or other damage. It also covers you if someone is injured in your apartment and you’re found liable. If you’re renting in Lubbock, Abernathy, or anywhere in West Texas, this affordable coverage gives you peace of mind without breaking the bank.
What’s the difference between mobile home and homeowners insurance?
Homeowners insurance is designed for traditional, site-built homes, while mobile home insurance is specifically structured for manufactured or mobile residences. Policies for mobile homes in West Texas often include coverage for windstorms, hail, and transportation-related risks. At Clark Riley Insurance, we’ll make sure your policy reflects the unique needs of your property type. No matter where your home sits—on a farm lot, small-town street, or rural land—we’ve got a plan to protect it.
Do I need off-road vehicle insurance in Texas?
If you ride ATVs, UTVs, or dirt bikes on private land, you may not be required by law to carry insurance—but it’s still a smart move. Off-road insurance helps protect your vehicle, your liability, and any injuries that may happen while riding. In rural parts of West Texas like Abernathy, off-roading is a way of life, and having coverage can help you avoid costly surprises. We’ll help you find a plan that matches your lifestyle and terrain.
Is flood insurance necessary in West Texas?
While West Texas isn’t known for hurricanes, flash floods and heavy storms can still cause major damage—especially in low-lying or rural areas. Standard homeowners and renters insurance policies do not cover flood damage. That’s why we recommend a separate flood insurance policy, especially if your property is in or near a flood-prone zone. Clark Riley Insurance can help assess your risk and connect you with the right coverage for your home in Abernathy, Lubbock, or beyond.
